They will know all the IRS rules and regulations and will work with you to be sure you're fully educated on the Do's and Don'ts before you proceed.

What I need is guidance, tips, networking, and more education.

It's all part of a good, comprehensive screening process.

I have dedicated quite some time to educate myself the best I can, for free of course.

I hope to get a lot of hands-on education as quickly as possible this year so I can quit chasing a job to chasing my dreams...to love & serve my family & my community!

@Thomas RutkowskiI don't need to prove facts, like I said most people here are intelligent enough to do their own research and make educated decision that cash value life insurance is not for them.The reason you are defending this strategy because you too are making up to 90% commissions on the sale of this scheme. 

Educate them.

I am currently in higher education in enrollment management with several master's degrees, but have always been interested in all things real estate.  

Then about 2 years later they started getting behind on our mortgage, then we found out they were behind in the first mortgage as well...long story short, we had to foreclose on the note we held and pay the first to keep them from foreclosing a senior lien first...the day of the sale at auction, we were served with a notice that they had filed for bankruptcy, which stayed the sale and the auction was voided.After getting an education in foreclosure, I now had to learn about bankruptcy.Since we were now living in another state, we had an attorney handling it all - I was never comfortable leaving things to other people, especially when we had a lot to lose.

Getting educated would be the best way to start.